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State commercial banks company · OH · FY ends Dec · Revenue $45M · 309.73% margin · $130M FCF
239.63% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 25.7% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$45M
▼ -25.7% YoY
Net Income (TTM)
$111M
▼ -8.9% YoY
Net Margin
245.20%
P/E
—
Balance Sheet
Total Assets
$9.65B
Equity
$1.22B
Total Debt
$701M
Cash & Equiv.
$190M
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